- Enforcing jurisdiction
- Germany · Geography does not establish applicable law.
- Confirmed applicable legislation
- Privacy topics
Deutsche Kreditbank – €300,000 Fine (Germany, 2023)
Privacy enforcement record
This record is classified outside cookie consent. Subject classification does not confirm an applicable law. It is not included in cookie statistics or the Risk Calculator.
Deutsche Kreditbank was fined for not providing a customer with an explanation for a rejected credit card application. The bank's refusal to share the reasons for its automated decision violated transparency rules. This case highlights the need for companies to be clear with customers about their decisions.
What happened
The Berlin DPA fined Deutsche Kreditbank for failing to inform a customer about the reasons for rejecting their credit card application.
Who was affected
A customer whose credit card application was rejected despite having a good credit history.
What the authority found
The DPA found that the bank violated GDPR by not transparently informing the customer about the automated decision-making process.
Why this matters
This case reinforces the requirement for companies to be transparent with users about automated decisions. Businesses should ensure they provide clear explanations to customers to comply with GDPR.
View original scraped data
Original imported citations before automated processing; the processing history does not establish independent verification.
Source checks
Linked-source text retrieved.
Automated check recorded — 6 March 2026.
Processing notes: authority corrected.
Retrieved text may be a secondary summary or an announcement. These automated statuses do not establish that the original decision was read or that the record received an independent legal review. How we check sources
The DPA of Berlin has imposed a fine of EUR 300,000 on Deutsche Kreditbank. A customer had filed a complaint with the DPA. The customer had submitted an application for a credit card to the bank, which was rejected in the course of an automated decision, despite the customer's good credit history and high income. The customer then requested an explanation of the reasons for the rejection of their application and the basis on which the automated decision was made. However, the controller refused to provide such information to him, which also made it difficult for the customer to appeal the decision. The DPA found that the controller violated its obligation to transparently inform the data subject about the decision upon request.
Related Enforcement Actions (0)
No other enforcement actions found for Deutsche Kreditbank in DE
This is the only recorded action for this entity in this jurisdiction.
Details
Fine Date
31 May 2023
Authority
Bundesbeauftragter für den Datenschutz
Fine Amount
€300,000
Enforcement Tracker ID
ETid-1856
About this data
Cite as: Cookie Fines. Deutsche Kreditbank - Germany (2023). Retrieved from cookiefines.eu
Last updated: